My bank wants copies of the digitally signed 1040s for 1014 and 2015. How do I get those? They will not accept: me printing copy & signing manually or the IRS transcript

[Opus 17 · Accepted solution]

Your bank are idiots.

There is no such thing as a digitally signed tax return.

There is an electronic postmark/proof of filing, that will be one of the pages of the PDF package if you print "all forms and worksheets."

The IRS transcript is 100% proof of what you submitted, and I have never applied for a loan or mortgage (or family and friends I know of) when the bank would not accept a printed copy of the tax returned signed in ink.

You need to contact this loan processors supervisor.

[macuser_22]

What they probably want is IRS form 8879 which is a "e-file Signature authorization" form that authorizes a paid tax preparer ( electronic return originator (ERO)) to e-file a tax return on your behalf.  It contains some information from your tax return, the efile pin (electronic signature) and your written signature.
<a rel="nofollow" target="_blank" href="https://www.irs.gov/pub/irs-pdf/f8879.pdf">https://www.irs.gov/pub/irs-pdf/f8879.pdf</a>

TurboTax is *self-prepared* so the 8879 form does not exist since you cannot "authorize" yourself to e-file your own tax return.  Only a paid tax preparer would give you that form that e-files the return for you.   

Some banks are years behind the times and still don't have a clue that many people e-file their own tax returns using tax software so they will not have the "required" 8879 form since it does not exist.

[SweetieJean]

Or the bank clerk collecting documents is looking at an all-encompassing list. A friend of mine is doing a mortgage refi, and the lender keeps insisting on W-2 forms, even though my friend is self-employed, and has been for years.

[Opus 17]

The actual underwriter may know what is going on but you never meet the underwriter.  The person you meet is basically a sales person working from a printed list of documents.  My son-in-law had his downpayment funds in an investment fund that only issues statements every 6 months.  The bank insisted on two consecutive quarterly statements.  After telling them over and over again, they bank finally accepted two *identical* semiannual statements but they had to be notarized by the investment manager.  Sigh.